Sacramento Air Depot Historic District · Photo: Earl Paden · CC BY-SA 3.0On FEMA’s figures, McClellan Park faces less hazard damage per building than 92% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, McClellan Park gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns. Most of that expected damage is earthquakes (58%), then river and rain flooding (41%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What McClellan Park faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind McClellan Park’s grade
Earthquakes are 58% of the building damage FEMA expects in McClellan Park, and McClellan Park’s rate of earthquakes damage is higher than 84% of U.S. census tracts. Next is river and rain flooding at 41% (lower than 97% of U.S. census tracts).
A lower expected damage per building than 92% of U.S. towns (21,298).
All of McClellan Park’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $355K a year in losses across McClellan Park: $331K to buildings, the rest to people and crops.
Does McClellan Park flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in McClellan Park. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
McClellan Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sacramento County.The storms McClellan Park remembers
None of the 19 disasters declared for Sacramento County shows FEMA aid or repair money reaching McClellan Park itself in FEMA’s records, so these are its biggest flood-claim years.
Sacramento County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
McClellan Park and its neighbors
McClellan Park has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| McClellan Park | Aless damage than 92% | earthquakes | 0 |
| North Highlands | B+less damage than 73% | river and rain flooding | 41 |
| Sacramento | B+less damage than 67% | river and rain flooding | 1,013 |
| Rio Linda | Bless damage than 59% | river and rain flooding | 205 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what McClellan Park faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in McClellan Park
Is McClellan Park at risk for natural disasters?
On FEMA’s National Risk Index, McClellan Park has lower expected damage per building than 92% of U.S. towns: A for hazard risk. Most of the expected damage is earthquakes (58%) and river and rain flooding (41%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is McClellan Park in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Sacramento County, 81% of homes in mapped flood zones carry federal flood insurance, and 9.6% of all homes do.
How much is flood insurance in McClellan Park?
FEMA’s Community Rating System list shows no discount for McClellan Park’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is McClellan Park at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (58%), and McClellan Park’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in McClellan Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where McClellan Park’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.